The United Nations has proclaimed 2005 the Year of Microcredit. What is microcredit, you ask? Marketplace's Alisa Roth tells us. Also, will the Year of Microcredit could be another flash-in-the-pan theme for the UN - like the Year of Eco-Tourism or the Year for Mountains? Commentator Matthew Bishop says Microcredit is a different story. He says it's an idea whose time has come.